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撞车后私了 要当心保险公司“合理”拒赔. 12288;今年3月，陈先生与一辆面包车发生碰撞致使车辆受损，经交通管理部门责任认定，本起事故对方车辆负全部责任。陈先生因工作有急事需要处理，再加之考虑到等待保险公司定损、勘查等一系列事宜太繁琐，会耽误很多时间，于是陈先生为了图方便决定与对方达成私了协议，对方赔偿陈先生1000元，陈先生自行修理，修理费多少不再与对方有关。 12288; 但令陈先生没有想到的是，事后修理费用竟然高达2300元。他更没有想到的是，当他在就超出的1000元部分向保险公司索赔时，保险公司却拒绝赔付。 12288; 保险公司的理由是：陈先生已经与对方达成了损失赔偿协议，获得了赔偿，因此保险公司不再对陈先生的车辆承担赔偿责任，另外尽管当地交管部门出具了事故证明，可没有及时向保险公司报案，保险公司也无法现场定损来确认损失状况，理赔额就无从计算。陈先生感到非常疑惑：为什么保险公司会拒赔呢？ 功能，使保险业的发展建立在一部分富裕群体的财富管理需求之上，而大部分民众的需求则被漠视了，这样一来，保险业发展就建立在不坚实的基础之上。...12288; 这次结构调整的出发点，...12288;z...
